Klarna, every mention
89 scenes, the whole family · ← back to Klarna
tap a year for its mentions
every year anyone Harry Stebbings 105Sebastian Siemiatkowski 62Rory O'Driscoll 9Max Junestrand 4George Sivulka 3Nicole Quinn 2Alex Bouaziz 2Sean Seton-Rogers 1Saam Motamedi 1Michael Eisenberg 1
Verbatim, from the transcripts: the passages where Klarna comes up
How to Build Your Own Data Center & Why Every Startup Should Do It
- ▶ 50:51 Harry Stebbings And then the worst thing about this market is that for any sophisticated buyer, an Airwallex, a Klarna, a Navan, a technology-facing company, everyone has built their own.
Wix Founder: Will Base44 Win the Vibe-Coding Wars? | The Truth About the Economics of Vibe-Coding · 20VC with Harry Stebbings
- ▶ 35:50 Harry Stebbings Um, and, and on the, everyone who I speak to, whether it's Airwallex or Klarna or Navan or Wix, you build your own.
OpenAI & SpaceX S1 Drops | Layoffs at Cloudflare & ClickUp | OpenRouter & Polsia Raise Mega Rounds · 20VC with Harry Stebbings
- ▶ 1:20:23 unnamed speaker I think the first one's, the first one is Klarna-esque rage bait.
Anthropic Raises $30BN at $900BN Price | SpaceX Files S1: How Does it Trade | Cerebras Smashes Day 1 · 20VC with Harry Stebbings
- ▶ 1:23:42 Rory O'Driscoll You just spent all your money on CapEx, or, or your shocker, have you cut too deeply, and do you have to do a Klarna and wind some of it back, right?
Gokul Rajaram: How to Analyse for Durability and Defensibility in a World of AI · 20VC with Harry Stebbings
- ▶ 16:35 Harry Stebbings Um, when you say about data portability being increasingly easy, we had Seb from Klarna on the show, he said agents would make data migration from systems of a record increasingly easy, so they wouldn't have the lock-in that we think, or,…
Monday.com CEO on Is SaaS Dead: Will Everything Be Vibe Coded | Eran Zinman · 20VC with Harry Stebbings
- ▶ 19:23 Harry Stebbings Uh, I just had Seb from Klarna on, um, um, we said we'd be honest, you're Israeli, I'm British and old, so fuck it. 3 times in the scene
- ▶ 54:17 Harry Stebbings Can I ask you personally, from, like, a marriage and from a personal perspective, it is hard what you're going through, and I don't think a lot of people, like, quite realize the emotional and personal toll that it takes getting on a show…
The SaaS Apocalypse: Who Lives & Who Dies | Insight Partners Co-Founder, Jerry Murdock · 20VC with Harry Stebbings
- ▶ 29:40 Harry Stebbings When we think about the impact of agents on companies, I had Seb from Klarna on the show, and he said that at that peak, there were 7000. 3 times in the scene
Thrive Raises New $10B Fund | OpenAI Buys OpenClaw | Stripe at $140B: Is Adyen Wildly Undervalued? · 20VC with Harry Stebbings
- ▶ 16:59 Jason Lemkin and maybe it's true, but you know, when, I mean, Harry just had Sebastian from Clarnon, right?
Klarna CEO: SaaS is Dead: Why Systems of Record Will Die in an Agentic World · 20VC with Harry Stebbings
- ▶ 0:23 Harry Stebbings Seb from Klarna is probably one of the leading figures in how to implement and use AI effectively to shrink headcount.
- ▶ 8:14 Sebastian Siemiatkowski It's different for a company like Klarna, because in our case, to some degree, this is the operating system of the company.
- ▶ 11:13 Sebastian Siemiatkowski It was like, hey, did I pay Klana? 4 times in the scene
- ▶ 13:46 Harry Stebbings It was like, Seb from Planner replacing, you know, hundreds, I can't remember, I think it was six or 700, uh, replaced 700. 4 times in the scene
- ▶ 16:02 Sebastian Siemiatkowski We have to rethink this and make customer service into this human part of what Klana is and make sure that we offer everyone who wants a human connection.
- ▶ 17:47 Sebastian Siemiatkowski They can actually jump on and work for Klana's customer service. 3 times in the scene
- ▶ 18:29 Harry Stebbings Clona CEO predicts end of finance. 6 times in the scene
- ▶ 20:19 Harry Stebbings Can I ask, when, when you said the statement about replacing 700 customer service agents at Klarna, what did you not know then that you wish you had known, knowing all that you know now? 3 times in the scene
- ▶ 22:44 Sebastian Siemiatkowski Uh, but the point is that, um, if you look at it, Klarna has a hundred ten million customers worldwide. 2 times in the scene
- ▶ 24:00 Sebastian Siemiatkowski Klarna is very different. 2 times in the scene
- ▶ 25:04 Sebastian Siemiatkowski I mean, Revolut is really big, Clona's really big, Nubank,
- ▶ 26:27 Sebastian Siemiatkowski And why would Klana stand the chance? 6 times in the scene
- ▶ 29:30 Sebastian Siemiatkowski Our card is growing at a very rapid pace in the US. 2 times in the scene
- ▶ 30:14 Sebastian Siemiatkowski Klarna's going to do better.
- ▶ 31:42 Sebastian Siemiatkowski We're a bank. 2 times in the scene
- ▶ 34:00 Sebastian Siemiatkowski I mean, Klarna has been shrinking.
- ▶ 37:11 Sebastian Siemiatkowski Uh, and Klan is by that, from that perspective, we're European company. 3 times in the scene
- ▶ 42:20 Sebastian Siemiatkowski Look, I've worked with him so many, it's a funny story how we ended up working with him, because at that point of time, uh, Sequoia, it was a guy called Chris Olsen, which is amazing, still a friend of mine, who was at Sequoia, and he did… 5 times in the scene
- ▶ 47:43 Sebastian Siemiatkowski Yeah, I think the way I thought about this is like, when we started Klawima 20 years back, we were just like, okay, look, why are we not just making these banking products better working online? 3 times in the scene
- ▶ 51:23 Harry Stebbings You mentioned starting with Spotify and Klarna in Stockholm together, and obviously Stockholm's been the birthplace of great AI companies in the last year with Lagora and Lovable to name a few.
- ▶ 1:00:29 Sebastian Siemiatkowski So what that means is if you historically put data in a database, right, you say a database record, okay, Klana has a customer called Sephora, and then we write again, Klana has a customer in Sephora, you created this tremendous amount of… 5 times in the scene
- ▶ 1:08:13 Sebastian Siemiatkowski Well, I think most of them, as I said previously with me and Dario, is that I think most of them recognize, in my opinion, first of all, I don't go to that many of those, to be honest, because I'm hard coding and working with my teams and…
- ▶ 1:12:09 Sebastian Siemiatkowski Like, we were saying, like, yesterday there was a rumor that, like, Klauna-like company offers buy now, pay later for rent. 3 times in the scene
- ▶ 1:18:15 Sebastian Siemiatkowski I basically didn't say that word, but like, basically, all, you know, this is the end of Klana. 6 times in the scene
- ▶ 1:28:05 Sebastian Siemiatkowski And then what I'm most excited about for me is I want to realize the vision of Klarna, like against what you said about not having visions, like I want to put that vision into reality. 3 times in the scene
Legora CEO, Max Junestrand: $7M ARR in a Day | Harvey vs Legora: Is a Legal AI Winner Takes All? · 20VC with Harry Stebbings
- ▶ 21:29 Max Junestrand Um, I think Klarna tried to launch in the US like a couple of times before it really worked. 2 times in the scene
Predictions for 2026: Top Buy & Biggest Short | Why Salesforce Could Win & NVIDIA’s Challenges · 20VC with Harry Stebbings
- ▶ 12:13 unnamed speaker Karna wasn't bad.
Deel CEO, Alex Bouaziz on Raising $300M+ at a $17BN Valuation · 20VC with Harry Stebbings
- ▶ 34:46 Alex Bouaziz And I was jamming at night with Sebastian, actually, from Klarna, who is, like, thinking about AI
- ▶ 1:10:26 Alex Bouaziz Like, if you look at the successful Swedish founders as well, right, like the Klarna's of the world, or the Spotify's of the world, like Daniel, Sebastian, they kind of paved the way for those founders to be able to build great companies,…
20VC: The Startup Adding $1M ARR Every Week | Competing Against OpenAI's Codex and Claude Code: Who Wins | Why Gemini is Failing and GPT-5 Is Winning | Do Margins Matter in a World of AI | The Ugly Truth About AI Coding with Zach Lloyd, Warp
- ▶ 50:32 Harry Stebbings Andrew's Robin Hood's, his Klarnas, his Vantas.
Are Burn Multiples BS in an AI World? & Sam Altman Needs $1TRN of Energy · 20VC with Harry Stebbings
- ▶ 37:08 Harry Stebbings We have seen Klarna, as well, be hit. 2 times in the scene
The Impact of H1B Visas on Startups in the US & NVIDIA Invests $100BN Into OpenAI · 20VC with Harry Stebbings
Anthropic's $10B Round, Klarna's IPO, Inside a16z's 72 Deal Seed Investment Machine ft. Marc Benioff · 20VC with Harry Stebbings
- ▶ 49:42 Harry Stebbings You know, we had Klarna filed today to go public between a 13 and a fifteen billion dollar range. 8 times in the scene
20VC: 15 Term Sheets in 7 Days and Choosing Benchmark | Harvey vs Legora: Who Wins Legal and How to Play When You Have $600M Less Funding | Are AI Models Plateauing Today | Building a 9-9-6 Culture From Stockholm with Max Junestrand
- ▶ 52:15 Max Junestrand The curiosity combined with ambition is like the two values that I've over time converged towards, especially in engineering and in product, because there's so many product directors at Klarna or at Spotify or these companies that have…
- ▶ 1:08:17 Max Junestrand Klarna, Spotify, King, many others, but sometimes people underestimate how big this actually is, and you just need to be like, here are the numbers.
20Growth: The Death of Growth Teams? | How Hubspot Use AI to Triple Email Conversion | The Future of AI SEO | Why Prompt Engineering is the New Coding | What Every CMO Needs to Know About AI in 2025
- ▶ 1:05:18 unnamed speaker Like if you saw Klarna's latest article where they're rolling back on some of the AI progress in favor of humans, you can go too fast, but there's a real balance to strike because I don't think there's ever been a better opportunity to be…
OpenAI’s $6BN Jony Ive Deal & YC Is Both Chanel and Walmart, and Has Officially Won! · 20VC with Harry Stebbings
- ▶ 1:03:07 Harry Stebbings Jason, you're always precluding that, you know, AI is going to replace all of our jobs, all of our jobs, and then we've had Klarna backtrack on it, and now Duolingo are backtracking on their AI. 3 times in the scene
Rippling vs. Deel Lawsuit: WTF Happens Now? The Future of the Late Stage Private Market · 20VC with Harry Stebbings
- ▶ 18:19 Rory O'Driscoll I mean, Klarna, another example is at that scale where I think they are saying let's push for the line and get the capital and go for it. 7 times in the scene
OpenAI, SBF & Perplexity: What VCs Know That You Don’t · 20VC with Harry Stebbings
- ▶ 32:37 Harry Stebbings I mean, you very confidently last week were like, you know what, I bet you a hundred K that AI is going to replace jobs very quickly, and then this week, Seb from Klarna, the biggest proponent of replacing people in Klarna with AI, goes,… 10 times in the scene
Benchmark vs a16z: Why Stage Specific Firms Win · 20VC with Harry Stebbings
- ▶ 35:30 Rory O'Driscoll Uh, and remember, take Klarna as the public example.
a16z's $20BN Fund & Founders Fund's $4.6BN & Why Josh Kushner Has Mastered the Game · 20VC with Harry Stebbings
- ▶ 1:05:00 Harry Stebbings I mean, I mean, on, on that, you know, we've seen, you know, your Klarna, which was going to go out, push back.
20Product: How to Design and Build Products in a World of Agents | Why AI Will Kill Many SaaS Products | What Products Will Thrive and Die in a World of 100M Developers with Matt Biilmann, Co-Founder and CEO @ Netlify
- ▶ 11:25 Harry Stebbings And we have companies like Klarna who are saying, oh, we're replacing all of our SaaS with AI. 4 times in the scene
Jake Saper, GP @ Emergence Capital: "We Sold Salesforce Early and Lost Out on Billions" · 20VC with Harry Stebbings
- ▶ 49:55 Harry Stebbings Um, we see people like Klarna,
Max Levchin, Founder & CEO @ Affirm:The Biggest Surprise Scaling to $18.7BN Market Cap · 20VC with Harry Stebbings
- ▶ 42:04 Harry Stebbings Um, is Klarna growing faster than the firm? 6 times in the scene
George Sivulka, Co-Founder & CEO @Hebbia: The Future of Foundation Models | E1250 · 20VC with Harry Stebbings
- ▶ 34:42 George Sivulka You know, there's, there's all these stories, and, you know, you have, like, Klarna that's positioning for investors that they're firing half their staff, and, and, and no one really wants, and I think. 2 times in the scene
- ▶ 1:04:27 George Sivulka I think Klarna, again, had another Fugazi story about building, like, going off Salesforce, uh, because, you know, Claude had built them a, a CRM, and I just think that the, the switching costs, the network effect of changing human beings'…
Daniel Khachab: "We Are in the Middle of a Cold War for AI Talent" | E1220 · 20VC with Harry Stebbings
- ▶ 17:07 Harry Stebbings Seb at Clon has fired 700 people in customer support.
- ▶ 19:38 Harry Stebbings Does that mean that we will see essentially what Klanow said, which is the removal of Salesforce, the removal of Workday, we're building all of the tools internally ourselves? 2 times in the scene
Mamoon Hamid: AI - Where Value Accrues, Startups vs Incumbents & Scaling Laws | E1217 · 20VC with Harry Stebbings
- ▶ 9:16 Harry Stebbings We've seen companies like, we said about kind of replacing labor there, we've seen companies like Klarna say, you know, we're going to replace Salesforce and Workday in that specific case, and we're going to build it our own with, you… 3 times in the scene
Eoghan McCabe, CEO @Intercom: Freedom of Speech, Censorship and Government Control | E1213 · 20VC with Harry Stebbings
- ▶ 9:08 Harry Stebbings Klarna announced that they were stopping their partnerships or, you know, customer, you know, contracts with that Workday and with service, with Salesforce. 3 times in the scene
- ▶ 13:36 Harry Stebbings To fire 700 people in Klarna's customer service team. 3 times in the scene
Jeff Wang: Sequoia Capital's $9BN Global Equities Fund on The Future for NVIDIA, Google & Meta|E1212 · 20VC with Harry Stebbings
- ▶ 22:14 Jeff Wang I don't know when some of these big companies that have stayed private for a long time are going to go public, but look, I look at say a Klarna.
- ▶ 41:59 Harry Stebbings Well, I mean, Klarna are helping to make that happen. 3 times in the scene
- ▶ 56:30 Harry Stebbings Can I say you've mentioned, um, Klarna several times and Seb is an incredible entrepreneur. 4 times in the scene
Aidan Gomez: What No One Understands About Foundation Models | E1191 · 20VC with Harry Stebbings
- ▶ 42:27 Harry Stebbings Klarna who's very much, we want to optimize our customer service and we're going to do that.
- ▶ 52:52 Harry Stebbings I do worry on the lower end of the spectrum, though, being like a, you know, Klarna losing whatever, 70, 80% of their customer service team.
Ethan Mollick: Why OpenAl Abandons Products, The Biggest Opportunities They Have Not Taken | E1184 · 20VC with Harry Stebbings
- ▶ 28:31 Harry Stebbings What I find worrying is here, especially in the early days, it is killing the lower classes if you're being horrible and blunt, which is like Klarna had like, 70% improvements with AI in terms of customer service and cut so many of their…
Saam Motamedi: Why Series B Won’t Make Money & Why $1M ARR is a BS Milestone for Series A | E1177 · 20VC with Harry Stebbings
- ▶ 58:50 Saam Motamedi And the next year I'm going to go map out Stripe and Square and Klarna and all these great businesses.
Michael Eisenberg: How China Could Overtake the US in the AI Race | E1167 · 20VC with Harry Stebbings
- ▶ 22:41 Michael Eisenberg A lot of these fintech companies was lemonade or add in or, or, or Klarn or any of these people.
Sam Altman & Brad Lightcap: Which Companies Will Be Steamrolled by OpenAI? | E1140 · 20VC with Harry Stebbings
- ▶ 23:12 Harry Stebbings And so, like, Klarna would be an example of that? 3 times in the scene
Christian Hecker & Johan Brenner: The Biggest Fundraising Lessons Having Raised $1.3BN | E1116 · 20VC with Harry Stebbings
- ▶ 50:04 Johan Brenner Uh, we have, we have a great, uh, portfolio, Klarna, I set the Pio, Trade Republic.
Roundtable #6 with Rebecca Kaden, Nicole Quinn, Eurie Kim, Harry Stebbings | E1083 · 20VC with Harry Stebbings
- ▶ 30:40 Nicole Quinn I think Klan is a good example in Europe, right? 2 times in the scene
20VC: How Today's Market Changes How Companies Should Approach Burn and Runway, Are Financing Markets Closing? How To Know When To Pay Up vs Stay Price Disciplined & Why The Most Important Thing in Venture is Generating Positive Selection with Bill Cilluf
- ▶ 0:10 Harry Stebbings Bill is a partner and a head of international investments at QED, one of the leading fintech venture firms today, with a portfolio including Nubank, Kavok, Klarna, Quinto and Dart, and Bitso, to name a few.
20VC: What Happens To Growth Rounds in this New Environment? Where is the Funding Crunch? How Does This Impact M&A and Going Public? How do Crossover Funds Respond? What Does it Mean For Early Stage and more with Eric Liaw, General Partner @ IVP
- ▶ 0:21 Harry Stebbings At IVP, Eric has led investments in the likes of Check This Out, Datadog, GitHub, Klarna, Robinhood, and UiPath.
20VC: The Two Largest Changes in the Investing Market Today, Why The Scarce Resource in Venture is Access & Why Investors Are Acting Mostly Rational and Upside Scenario Planning Needs To Change with Anton Levy, Co-President @ General Atlantic
- ▶ 0:31 Harry Stebbings If that was enough, though, Anton's also enjoyed board positions, either as a board member or board observer, in companies such as Uber, Mercado Libre, Klarna, and Meituan, to name a few.
20VC: Has Price Discipline Disappeared? Is it Possible to Build Ownership Over Time? Why Venture Is Less Collaborative Now Than Ever? How fast Do Breakout Companies Become Obvious? How To Construct an Optimised and Repeatable Investment Decision-Making Pr
- ▶ 0:10 Harry Stebbings For those in the know, you know who this is already, and so with that, I'm so thrilled to welcome Frank Rotman, co-founder at QED Investors, one of the leading fintech-focused venture funds investing today, with a portfolio including the…
20VC: Why Bundling Does Not Work, How The Best Founders Analyse Unit Economics, Why The Way We Approach Mental Health in Venture and Startups is Wrong with Nigel Morris, Co-Founder & Managing Partner @ QED Investors
- ▶ 0:11 Harry Stebbings And so with that, I'm thrilled to welcome Nigel Morris, co-founder and managing partner of QED Investors, one of the leading fintech-focused venture firms of the last decade, with numerous unicorn investments, including Credit Karma,… 2 times in the scene
20VC: Spotify Founder Daniel Ek on Optimising Decision-Making, Structuring Effective Learning Processes, The Trials and Tribulations in The Transition From Founder To CEO & The Future of Building Prima Materia with Shakil Khan
20VC: Klarna Founder Sebastian Siemiatkowski on Scaling Europe's Most Valuable Private Tech Company, How To Motivate and Challenge Your Team Most Effectively & The Biggest Lessons From Working with Mike Moritz
- ▶ 0:27 Harry Stebbings Klarna, the company that makes online shopping simple, allowing you to buy what you need today, and pay later. 4 times in the scene
- ▶ 2:45 Harry Stebbings But that's enough from me, so now I'm very, very excited to hand over to Sebastian, founder and CEO at Klarna.
- ▶ 3:12 Harry Stebbings What was that founding aha moment for you with Klarna over 16 years ago now?
- ▶ 7:48 Sebastian Siemiatkowski When I started, I was 23, and I was surrounded by, unfortunately, a lot of people who had never done anything like Klarna before, who had never built anything of this size or scale, and I had a lot of poor advice initially. 3 times in the scene
- ▶ 18:40 Harry Stebbings When we look at, you know, Klarna, say, 3000 people across multiple different offices, Europe and US, and you said about kind of, how do you do that at scale? 3 times in the scene
- ▶ 24:08 Sebastian Siemiatkowski We want to do a lot of things with Klona, and that means that we're all very emotionally invested, very engaged, and when things doesn't move at the speed we'd like them to, 2 times in the scene
- ▶ 29:59 Harry Stebbings What's the hardest element of your role with Klarna today? 2 times in the scene
- ▶ 33:53 Sebastian Siemiatkowski And Klana has the opportunity to be a one big player in that industry, similar to what Tesla is doing in cars or whatever. 2 times in the scene
20VC: Sonos CEO Patrick Spence on His Biggest Lessons Building and Growing Blackberry, The Right Way to View Competition and Innovation Cycles & How To Make The Transition From COO To CEO Most Effectively
- ▶ 36:42 Harry Stebbings As always, I so appreciate all your support, and I can't wait to bring you an incredible episode with Seb, founder and CEO at Klarna, on Monday.
20 VC 068: Why Now Is The Best Time To Be An Entrepreneur with Sean Seton-Rogers @ PROfounders Capital
- ▶ 6:02 Sean Seton-Rogers Uh, gosh, uh, Carna raised money, uh, last year from Sequoia and General Atlantic, and BlaBlaCar raised from LeadEdge as well, and Funding Circle raised from Union Square.
20 VC 067: Scaling Startups Into Unicorns with Atomico's Mattias Ljungman and Carolina Brochado
- ▶ 0:30 Harry Stebbings In that time, Matthias has been involved with exits including Supercell, sold to SoftBank, Six Wonder Kinder, acquired by Microsoft, the Climate Corporation, acquired by Monsanto, and Matthias works closely with a number of these portfolio…